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Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term,
Read more »| summary | Unit |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Net Interest Income | EUR mil |
| Total Revenues | EUR mil |
| Operating Profit | EUR mil |
| Net Profit | EUR mil |
| 186 | 175 | 195 | 203 | 208 | ||||||
| 221 | 251 | 273 | 272 | 289 | ||||||
| 78.7 | 83.2 | 112 | 105 | 117 | ||||||
| 40.1 | 78.2 | 63.1 | 66.2 | 74.6 |
| Interbank Loans | EUR mil |
| Customer Loans | EUR mil |
| Debt Securities | EUR mil |
| Total Assets | EUR mil |
| Shareholders' Equity | EUR mil |
| Interbank Borrowing | EUR mil |
| Customer Deposits | EUR mil |
| Issued Debt Securities | EUR mil |
| 20.4 | 40.3 | 42.2 | 54.9 | 47.9 | ||||||
| 3,986 | 4,132 | 4,249 | 4,581 | 5,464 | ||||||
| 1,515 | 1,484 | 1,736 | 1,860 | 1,897 | ||||||
| 5,795 | 6,028 | 6,285 | 6,799 | 7,766 | ||||||
| 650 | 649 | 660 | 678 | 704 | ||||||
| 906 | 678 | 309 | 516 | 798 | ||||||
| 3,583 | 4,076 | 4,250 | 4,523 | 5,074 | ||||||
| 246 | 305 | 750 | 811 | 823 |
| 6.11% | 12.0% | 9.64% | 9.90% | 10.8% | ||||||
| 0.696% | 1.32% | 1.02% | 1.01% | 1.02% | ||||||
| 2.47% | 2.84% | 2.62% | 2.56% | 2.37% | ||||||
| 64.4% | 66.8% | 58.9% | 61.6% | 59.6% | ||||||
| 3.23% | 2.96% | 3.16% | 3.10% | 2.86% | ||||||
| 84.3% | 69.7% | 71.2% | 74.5% | 71.9% | ||||||
| 20.4% | 18.5% | 18.4% | 19.6% | 18.9% | ||||||
| 44.4% | 41.0% | 41.4% | 42.1% | 44.4% | ||||||
| 11.2% | 10.8% | 10.5% | 9.97% | 9.06% | ||||||
| 111% | 101% | 100.0% | 101% | 108% | ||||||
| 68.8% | 68.6% | 67.6% | 67.4% | 70.4% | ||||||
| 6.51% | 4.39% | 4.90% | 4.55% | 3.72% | ||||||
| 67.8% | 59.2% | 52.8% | 54.8% | 64.7% |
| income statement | Unit |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Interest Income | EUR mil |
| Interest Cost | EUR mil |
| Net Interest Income | EUR mil |
| Net Fee Income | EUR mil |
| Other Income | EUR mil |
| Total Revenues | EUR mil |
| Staff Cost | EUR mil |
| Depreciation | EUR mil |
| Other Cost | EUR mil |
| Operating Cost | EUR mil |
| Operating Profit | EUR mil |
| Provisions | EUR mil |
| Extra and Other Cost | EUR mil |
| Pre-Tax Profit | EUR mil |
| Tax | EUR mil |
| Minorities | EUR mil |
| Net Profit | EUR mil |
| 246 | 243 | 248 | 250 | 248 | ||||||
| 59.5 | 68.5 | 53.5 | 47.2 | 40.2 | ||||||
| 186 | 175 | 195 | 203 | 208 | ||||||
| 45.0 | 46.5 | 50.3 | 53.2 | 54.6 | ||||||
| -10.3 | 29.5 | 28.5 | 16.0 | 26.7 | ||||||
| 221 | 251 | 273 | 272 | 289 | ||||||
| 63.2 | 68.7 | 66.6 | 70.5 | 76.6 | ||||||
| 11.2 | 11.5 | 10.9 | 10.8 | 11.5 | ||||||
| 68.0 | 87.4 | 83.5 | 86.1 | 84.3 | ||||||
| 142 | 168 | 161 | 167 | 172 | ||||||
| 78.7 | 83.2 | 112 | 105 | 117 | ||||||
| 14.7 | 17.3 | 26.9 | 17.1 | 18.3 | ||||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||||
| 64.0 | 65.9 | 85.5 | 87.5 | 98.7 | ||||||
| 5.03 | 16.9 | 22.4 | 21.3 | 24.1 | ||||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||||
| 40.1 | 78.2 | 63.1 | 66.2 | 74.6 |
| Net Interest Income Growth | % |
| Net Fee Income Growth | % |
| Total Revenue Growth | % |
| Operating Cost Growth | % |
| Operating Profit Growth | % |
| Pre-Tax Profit Growth | % |
| Net Profit Growth | % |
| ... | -1.04% | -6.17% | 11.2% | 4.18% | 2.68% | |||||
| ... | 8.04% | 3.17% | 8.25% | 5.88% | 2.53% | |||||
| ... | -12.7% | 13.4% | 8.98% | -0.507% | 6.43% | |||||
| ... | -4.85% | 17.7% | -3.96% | 4.01% | 2.98% | |||||
| ... | -24.1% | 5.78% | 35.1% | -6.98% | 12.0% | |||||
| ... | -2.86% | 3.03% | 29.7% | 2.32% | 12.9% | |||||
| ... | -32.4% | 95.0% | -19.4% | 5.01% | 12.6% |
| 9.04% | 12.0% | 11.8% | 11.1% | 12.7% | ||||||
| ... | 5.95% | 16.3% | 11.5% | 11.8% | 12.3% | |||||
| 12.7% | 12.8% | 12.4% | 12.7% | 13.2% | ||||||
| 5.61% | 6.77% | 6.82% | 6.59% | 6.61% | ||||||
| 5.93% | 0.905% | 6.97% | 6.76% | 6.82% | ||||||
| 3.83% | 5.63% | 5.81% | 5.39% | 5.21% | ||||||
| 13.2% | 13.2% | 14.4% | 14.5% | 14.3% |
| balance sheet | Unit |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Cash | EUR mil |
| Interbank Loans | EUR mil |
| Customer Loans | EUR mil |
| Retail Loans | EUR mil |
| Mortgage Loans | EUR mil |
| Consumer Loans | EUR mil |
| Corporate Loans | EUR mil |
| Debt Securities | EUR mil |
| Fixed Assets | EUR mil |
| Total Assets | EUR mil |
| Shareholders' Equity | EUR mil |
| Of Which Minority Interest | EUR mil |
| Liabilities | EUR mil |
| Interbank Borrowing | EUR mil |
| Customer Deposits | EUR mil |
| Sight Deposits | EUR mil |
| Term Deposits | EUR mil |
| Issued Debt Securities | EUR mil |
| Other Liabilities | EUR mil |
| 134 | 126 | 123 | 181 | 233 | ||||||
| 20.4 | 40.3 | 42.2 | 54.9 | 47.9 | ||||||
| 3,986 | 4,132 | 4,249 | 4,581 | 5,464 | ||||||
| ... | 2,042 | 2,311 | 2,508 | 2,833 | 3,313 | |||||
| ... | ... | ... | 1,361 | 1,521 | 1,681 | 1,923 | 2,169 | |||
| ... | ... | ... | 681 | 790 | 827 | 910 | 1,144 | |||
| ... | 1,815 | 1,691 | 1,500 | 1,491 | 1,850 | |||||
| 1,515 | 1,484 | 1,736 | 1,860 | 1,897 | ||||||
| 106 | 91.1 | 87.2 | 82.6 | 83.9 | ||||||
| 5,795 | 6,028 | 6,285 | 6,799 | 7,766 | ||||||
| 650 | 649 | 660 | 678 | 704 | ||||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||||
| 5,145 | 5,379 | 5,625 | 6,121 | 7,062 | ||||||
| 906 | 678 | 309 | 516 | 798 | ||||||
| 3,583 | 4,076 | 4,250 | 4,523 | 5,074 | ||||||
| ... | ... | ... | ... | ... | ... | 1,748 | 2,013 | 2,414 | ||
| ... | ... | ... | ... | ... | ... | 2,451 | 2,440 | 2,660 | ||
| 246 | 305 | 750 | 811 | 823 | ||||||
| 410 | 320 | 316 | 271 | 367 |
| Non-Performing Loans | EUR mil |
| Gross Loans | EUR mil |
| Total Provisions | EUR mil |
| 272 | 186 | 214 | 214 | 208 | ||||||
| 4,170 | 4,242 | 4,362 | 4,699 | 5,599 | ||||||
| 184 | 110 | 113 | 117 | 135 |
| Customer Loan Growth | % |
| Retail Loan Growth | % |
| Mortgage Loan Growth | % |
| Consumer Loan Growth | % |
| Corporate Loan Growth | % |
| Total Asset Growth | % |
| Shareholders' Equity Growth | % |
| Customer Deposit Growth | % |
| ... | 16.3% | 3.68% | 2.84% | 7.82% | 19.3% | |||||
| ... | ... | 15.4% | 13.2% | 8.51% | 13.0% | 16.9% | ||||
| ... | ... | ... | ... | 17.5% | 11.7% | 10.5% | 14.4% | 12.8% | ||
| ... | ... | ... | ... | 11.4% | 16.0% | 4.63% | 10.1% | 25.7% | ||
| ... | ... | 12.1% | -6.83% | -11.3% | -0.577% | 24.1% | ||||
| ... | 0.942% | 4.02% | 4.26% | 8.19% | 14.2% | |||||
| ... | -2.18% | -0.077% | 1.63% | 2.78% | 3.79% | |||||
| ... | 3.18% | 13.8% | 4.26% | 6.42% | 12.2% |
| 10.9% | 11.1% | 10.8% | 11.0% | 12.0% | ||||||
| ... | 11.7% | 11.3% | 10.3% | 10.4% | 11.8% | |||||
| ... | ... | ... | 14.0% | 15.5% | 15.7% | 16.0% | 18.5% | |||
| ... | 11.9% | 12.3% | 12.2% | 12.3% | 12.8% | |||||
| ... | ... | ... | 11.0% | 11.1% | 11.0% | 11.1% | 11.0% | |||
| 9.83% | 10.1% | 10.3% | 10.6% | 11.2% | ||||||
| 8.93% | 9.62% | 9.59% | 9.82% | 10.1% |
| ratios | Unit |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| 6.11% | 12.0% | 9.64% | 9.90% | 10.8% | ||||||
| 0.696% | 1.32% | 1.02% | 1.01% | 1.02% | ||||||
| 2.47% | 2.84% | 2.62% | 2.56% | 2.37% | ||||||
| 64.4% | 66.8% | 58.9% | 61.6% | 59.6% | ||||||
| 3.23% | 2.96% | 3.16% | 3.10% | 2.86% | ||||||
| ... | 3.10% | 2.82% | 3.06% | 3.02% | 2.80% | |||||
| 4.26% | 4.12% | 4.03% | 3.82% | 3.41% | ||||||
| ... | 1.16% | 1.30% | 0.973% | 0.803% | 0.610% | |||||
| 84.3% | 69.7% | 71.2% | 74.5% | 71.9% | ||||||
| 20.4% | 18.5% | 18.4% | 19.6% | 18.9% | ||||||
| -4.67% | 11.7% | 10.4% | 5.89% | 9.23% | ||||||
| 3,122 | 3,088 | 3,192 | 3,198 | 2,935 | ||||||
| 2,246 | 2,405 | 2,404 | 2,481 | 2,561 | ||||||
| 44.4% | 41.0% | 41.4% | 42.1% | 44.4% | ||||||
| 11.2% | 10.8% | 10.5% | 9.97% | 9.06% | ||||||
| 111% | 101% | 100.0% | 101% | 108% | ||||||
| 68.8% | 68.6% | 67.6% | 67.4% | 70.4% | ||||||
| 6.51% | 4.39% | 4.90% | 4.55% | 3.72% | ||||||
| 67.8% | 59.2% | 52.8% | 54.8% | 64.7% | ||||||
| 4.62% | 2.67% | 2.66% | 2.56% | 2.46% | ||||||
| 0.397% | 0.427% | 0.642% | 0.387% | 0.365% |
| other data | Unit |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Branches | |
| Employees | |
| ATMs | |
| Payment Cards | '000 |
| Debit Cards | '000 |
| Credit Cards | '000 |
| Sight (As % Of Customer Deposits) | % |
| 137 | 140 | 136 | 137 | 135 | ||||||
| 2,346 | 2,381 | 2,308 | 2,368 | 2,493 | ||||||
| 254 | 263 | 261 | 262 | 264 | ||||||
| 300 | 310 | 326 | 332 | 351 | ||||||
| 269 | 36.0 | 290 | 296 | 315 | ||||||
| 31.3 | 34.1 | 36.0 | 35.3 | 35.7 | ||||||
| ... | ... | ... | ... | ... | ... | 41.1% | 44.5% | 47.6% |
This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking
Read more »This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital
Read more »This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.
In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CSOB Slovakia's market position in mortgage or consumer lending.
If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.
If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.
Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s
Read more »Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Until 2008, ČSOB Slovakia was a part of the Czech Republic-based ČSOB Group. In 2008, the new company Československá obchodná banka, a.s. (ČSOB Slovakia) was created under direct control of KBC Bank.
This report offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia
Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s
Read more »Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Until 2008, ČSOB Slovakia was a part of the Czech Republic-based ČSOB Group. In 2008, the new company Československá obchodná banka, a.s. (ČSOB Slovakia) was created under direct control of KBC Bank.
This excel file offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia
Based on a comparison of 14 banks in Slovakia in 2017, Slovenska Sporitelna was the largest bank by assets, followed by VUB Banka and Tatra banka.
Slovenska Sporitelna assets reached EUR 16,343 mil, up 10.2% when compared to the
Read more »Based on a comparison of 14 banks in Slovakia in 2017, Slovenska Sporitelna was the largest bank by assets, followed by VUB Banka and Tatra banka.
Slovenska Sporitelna assets reached EUR 16,343 mil, up 10.2% when compared to the last year. Historically, the bank’s assets reached an all time high of EUR 16,343 mil in 2017 and an all time low of EUR 3,591 mil in 1998.
Comparing Slovenska Sporitelna with its closest peers, VUB Banka assets amounted to EUR 14,971 mil, Tatra banka operated with EUR 12,503 mil assets and CSOB Slovakia had total assets of EUR 9,221 mil.
Total assets of the Slovak banking sector amounted to EUR 75.8 bil in 2017, up 6.23% when compared to the last year. As a result, the top ranked company - Slovenska Sporitelna accounted for 21.6% of the sector’s assets in 2017. The top 3 companies held a 57.8% share while the five largest firms some 76.7% in 2017.
You can see all the banks assets on the Total Assets indicator page or you can download a report on the Slovak banks in the report section.
Based on a comparison of 13 banks in Slovakia, VUB Banka produced the highest net profit in 2017, followed by Slovenska Sporitelna and Tatra banka.
VUB Banka made a net profit of EUR 175 mil, up 11.6% compared to the previous
Read more »Based on a comparison of 13 banks in Slovakia, VUB Banka produced the highest net profit in 2017, followed by Slovenska Sporitelna and Tatra banka.
VUB Banka made a net profit of EUR 175 mil, up 11.6% compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 177 mil in 2011 and an all time low of EUR 31.1 mil in 2001. The average profit in the last five years amounted to EUR 155 mil.
The bank generated an average return on equity of 10.6% for its shareholders in the last five years with a maximum of 11.2% and a minimum of 10.0%.
Comparing VUB Banka with its closest peers, Slovenska Sporitelna generated a net profit of EUR 164 mil with a ROE of 12.0% in 2017, Tatra banka netted EUR 124 mil (ROE of 12.5%) and CSOB Slovakia announced a net profit of EUR 70.0 mil giving a ROE of 9.22%.
The net profit of the Slovakia’s banking sector amounted to EUR 75,867 mil in 2017, up 3.19% compared to the previous year. Heading up the rankings, VUB Banka accounted for 0.231% of the sector’s net profit in 2017. The top 3 companies held a 0.611% share while the five largest firms some 0.773% in 2017.
You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Slovak banks in the report section.
Based on a comparison of 13 banks in Slovakia in 2017, Slovenska Sporitelna generated the largest revenues, followed by VUB Banka and Tatra banka.
Slovenska Sporitelna reported total revenues of EUR 569 mil, down 5.19% compared
Read more »Based on a comparison of 13 banks in Slovakia in 2017, Slovenska Sporitelna generated the largest revenues, followed by VUB Banka and Tatra banka.
Slovenska Sporitelna reported total revenues of EUR 569 mil, down 5.19% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 605 mil in 2015 and an all time low of EUR 73.2 mil in 1999. The average revenue in the last five years amounted to EUR 592 mil.
Bank's total revenues accounted for 3.48% of total assets in 2017, down from 4.05% a year earlier.
Comparing Slovenska Sporitelna with its closest peers, VUB Banka generated total revenues of EUR 547 mil, or 3.66% of assets in 2017, Tatra banka operated with EUR 425 mil total income, or 3.40% revenue margin and CSOB Slovakia produced total income worth EUR 289 mil, or 3.13% of assets.
Slovak banking sector generated total revenues of EUR 179,125 mil in 2017, down 0.589% when compared to the previous year. As a result, the top ranked company - Slovenska Sporitelna accounted for 0.318% of the sector’s total income in 2017. The top 3 companies held a 0.860% share while the five largest firms some 1.13% in 2017.
You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Slovak banks in the report section.
Based on a comparison of 13 banks in Slovakia in 2016, Postova Banka operated with the lowest loan to deposit ratio, followed by Wustenrot Stavebna Sporitelna and Privatbanka.
Postova Banka's loan to deposit ratio reached 56.0% at the end
Read more »Based on a comparison of 13 banks in Slovakia in 2016, Postova Banka operated with the lowest loan to deposit ratio, followed by Wustenrot Stavebna Sporitelna and Privatbanka.
Postova Banka's loan to deposit ratio reached 56.0% at the end of 2016, down from 60.9% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 64.2% in 2014 and an all time low of 33.6% in 2004.
Comparing Postova Banka with its closest peers, Wustenrot Stavebna Sporitelna ended the year 2016 with loans to deposits at 65.4%, Privatbanka with 65.7% and CSOB Stavebna Sporitelna some 73.1% of loans to deposits at the end of 2016.
Overall, total loans of the Slovak banking sector amounted to 78.3% of deposits at the end of 2016.
You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Slovak banks in the report section.
